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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $83,647 | $100,792-17.0% | $86,691-3.5% | $134,509-37.8% |
| Participation rate | 60.9% | 78.9%-18.1pp | 76.6%-15.7pp | 81.2%-20.4pp |
| Annual return | -17.40% | 29.08%-46.5pp | 35.94%-53.3pp | 418.13%-435.5pp |
| Employer contribution / active EE | $1,267 | $3,491-63.7% | $2,837-55.3% | $4,741-73.3% |
| Participant deferral / active EE | $4,772 | $5,339-10.6% | $4,656+2.5% | $6,400-25.4% |
| Admin fee / account holder | $6,000 | $10,924-45.1% | $7,492-19.9% | $11,427-47.5% |